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Home Loans

We understand that buying a home is one of life’s most significant milestones. Whether you're a first-time buyer, upgrading to your dream home, or looking to refinance, our tailored home loan solutions are designed to make your journey as smooth as possible.

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Lending Association –
The home loan experts

Navigating the complex landscape of loans and mortgages can be a daunting task. Don’t go it alone.

With so many home loan and mortgage products on the market today, you need expert advice to ensure you’re getting the best possible deal. As experienced and awarded mortgage brokers, Lending Association can take the stress out of your next property transaction. Whether you’re buying, building, relocating, or looking to refinance, Lending Association can be there with you every step of the way.

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Three people at a meeting. An older couple listens attentively to a person from Lending Association showing information on a laptop screen. Documents and a form are on the table.
A modern apartment building with multiple balconies featuring glass railings and plants. The building has a sleek, geometric design with a mix of gray and white exterior finishes.
  • Investment   
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  • Construction & Renovations   
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  • First Home Buyers   
Three people sit at a table in an office, looking at paperwork together. Two of them are across from the person with a laptop.
  • Refinancing   
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Your home loan mortgage broker

Why choose Lending Association as your home loan mortgage broker?

Home Loans Buying Power.

Our large-scale buying power and strong industry relationships mean we can negotiate highly competitive rates on home loans, mortgages and quality financial products with lenders. And, we can get your home loans and financing approved fast

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We work with over 60 banks and lenders

Funds Under Management
0 B+
Group Clients
1000 +
Loans Written
0 B +
LA Team Members
0 +

Frequently Asked Questions

We offer a diverse range of home loans tailored to your specific needs, including fixed-rate loans, variable-rate loans, interest-only loans, construction loans, and more. Our team can help you find the right loan that aligns with your financial goals.

The amount you can borrow depends on various factors such as your income, credit history, and expenses. Our home loan experts will assess your financial situation and provide you with a clear understanding of your borrowing capacity.

Fixed interest rates remain constant for a specified period, providing stability in repayments. Variable rates can fluctuate based on market conditions. We can guide you in choosing the option that best suits your preferences and financial strategy.

LMI is typically required if your deposit is less than 20% of the property’s purchase price. It protects the lender in case you default on your loan. We can provide insights into LMI and help you understand if it applies to your situation.

Refinancing can offer benefits such as securing a better interest rate, consolidating debts, or accessing equity for home improvements. We can assess your current loan and financial goals to determine if refinancing is the right choice for you.

Hear From Our
Clients

At Lending Association, our clients are at the heart of everything we do. Don't just take our word for it, discover what our clients have to say about their experiences with the LA Team.

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The team are proactive with contacting me about ensuring I have the best mortgage product available for my situation, and that other areas of my finances are as optimal as they can be. With the help of their relationships with major financial institutions, and a wealth of experience, they pulled off an absolute miracle for me.

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Dr Rebecca Prentice
Specialist Anaesthetist

The team go above and beyond with their level of care, and get the transactions completed with ease and attention to detail. My experience has been excellent. Their customer service is superior to that of other brokers and bankers, as is their ability to carry out business in a more flexible and understanding way.

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Dr Christopher Ho
Specialist Prosthodontist
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First home buyers

New 5% Deposit Scheme Rolled Out Early – A Game-Changer for First Home Buyers

August 25, 2025

The Albanese Government has brought forward the launch of its expanded 5 % deposit scheme to 1 October 2025, accelerating access by three months. Originally slated for implementation in early 2026, this forward-shift is aimed at helping more first home buyers enter the property market sooner.
Key highlights of the updated scheme include:
Universal eligibility — the scheme is now open to all first home buyers, with no income or placement caps
Higher property price caps aligned with market levels, for example:
Sydney: rising from $900,000 to $1.5 million
Rest of NSW: from $750,000 to $800,000
No Lenders Mortgage Insurance (LMI) — the government guarantees the loan portion beyond the 5 % deposit, saving homebuyers tens of thousands in insurance costs.
Projected financial benefits — the first year alone could see buyers save around $1.5 billion in LMI costs.

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